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Airbnb Mortgages – What You Need To Know

If you’re an investor in the UK looking to buy a property to let out on Airbnb, you’ll need to get your finances in order. One of the best ways to do this is by securing an Airbnb mortgage. This guide will take you through everything you need to know about getting an Airbnb mortgage and how to make the most of it. So, whether you’re a first-time investor or looking for a new way to finance your next purchase, keep reading for our top tips!

What is Airbnb?

Airbnb is a short-term rental platform allowing people to rent their properties to guests. It’s a popular way to make extra money, especially in tourist areas. Airbnb has become one of the most popular travel methods, with millions of people using the platform to find accommodation worldwide. To list your property on Airbnb, you’ll need to create a listing. This is where you’ll provide information about your property, such as the price per night, the amenities included, and the location. You’ll also need to upload photos and write a description of your property. Once your listing is live, guests can book their stay.

How to best finance the purchase of property to use on Airbnb?

If you have the funds in place, you can consider purchasing a property with cash. This is an option available to all property buyers and investors, but given the sums of money involved, it is far from the most common way to fund a property purchase. Many people finance the purchase of Airbnb properties using buy-to-let mortgages. These are specialist mortgages that are designed for people who want to rent out their property, However not all Buy to let mortgages allow you to rent your property on Airbnb as it is deemed more risky by the lender – so you need to make sure the lender allows the property to be rented out on Airbnb.

What are Airbnb mortgages and how do they work?

Airbnb mortgages are specialist buy-to-let mortgages. They work in the same way as standard buy- to-let mortgages, but there are a few key differences. For example, Airbnb mortgages usually have higher interest rates than standard buy-to-let mortgages. This is because they’re seen as a higher risk by lenders. Airbnb mortgages also often have stricter criteria than standard buy-to-let mortgages. For example, some lenders may only lend to people with experience as a landlord or you must already be a homeowner.

What lenders offer a specialist Airbnb mortgage?

As of the summer of 2022, many high street mortgage lenders don’t yet offer a specialist Airbnb mortgage, so it won’t surprise you to learn that some smaller or niche mortgage lenders are happy to provide mortgages for Airbnb properties. People tend to use the services of a mortgage broker to find the right Airbnb mortgage as most of the lenders who operate in this market only offer their products through brokers.

What are the benefits of an Airbnb mortgage?

There are many benefits to getting a specific mortgage for Airbnb rental. One of the main benefits is that you’ll be able to finance your property purchase with a loan specifically designed for Airbnb investors. Additionally, there is peace of mind with having this style of mortgage. If you use a standard or even a buy-to-let mortgage for Airbnb purposes, it might break the terms and conditions of your mortgage. This can lead to considerable problems. However, if you use a specialist Airbnb mortgage, you don’t need to worry about this.

What do I need to get an Airbnb mortgage?

To get an Airbnb mortgage, you’ll need to meet the lender’s criteria. Typically you will need to put down at least a 25% deposit, have a steady income yourself and you’ll also need to provide proof of your Airbnb income (or at the very least, robust projections), as this will be used to assess your affordability.

Additional documents that you will be required to provide are:

  • Proof of Identity – Passport &/or Driving License
  • Proof of Residence – Utility Bill, Council tax statement, bank statement
  • Proof of income – Last 3 months payslips plus latest P60 & or at least 1 years accounts

There are always specific documents that lenders require the completion of plus they may always request extra documentation to satisfy there underwriting requirements.

How do I apply for an Airbnb mortgage?

You can apply for an Airbnb mortgage through a mortgage broker. They’ll be able to help you compare the different Airbnb mortgages on the market and find the right deal for you. They’ll also be able to guide you through the application process and answer any of your questions.

Should I buy an Airbnb property in my personal or limited company name?

Due to tax changes that have taken place over the last several years buying a buy to let property in either a company or personal name is a big decision and you need to do your research. Speaking with a property tax advisor is important to know the best way to purchase the asset. Many lenders provide mortgages for both personal name and company name applications – however typically, company name applications tend to be at a higher interest rate with more associated fees although there may be long term tax benefits in buying a property this way – Getting tax advice is key.

How do Airbnb mortgages differ to a standard Buy to Let mortgage?

A mortgage for Airbnb properties generally has a higher interest rate when compared to a standard buy to let mortgage and there are less lenders in the market place who offer these products. It is best to speak with a broker to understand all the costs/rates/fees involved.

Can I get an Airbnb mortgage if I have bad credit?

It’s possible to get an Airbnb mortgage if you have bad credit such as missed payments and defaults. However, you’ll need to find a specialist lender who is willing to lend to people with bad credit. You can expect to pay a higher interest rate than someone with a good credit score.

How do Airbnb mortgages differ to a standard Buy to Let mortgage?

There is no minimum credit score for an Airbnb mortgage. However, you’ll need a good credit score to get the lowest interest rates. If you have bad credit, you may still be able to get an Airbnb mortgage, but you’ll likely pay a higher interest rate.

How to explore your Airbnb mortgage options with The Money Hub

If you are looking into taking out an Airbnb mortgage, but you don’t have the time or energy to research the whole market – this is where the advisors at the money hub can help. Call The Moneyhub Limited on 0203 725 5830 and speak to one of our highly specialised and dedicated Mortgage Advisors or you can complete an enquiry form which will allow you to schedule a call time.

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SPV Mortgage FAQ’s

Yes – There are lenders that offer mortgages where the property is rented out through a platform such as Airbnb. Not all buy to let mortgage lenders allow properties to be rented out on Airbnb, so getting the right mortgage is important.

You are best to speak with your lender or to read the terms and conditions of your mortgage to ensure you are legally able to let your property in this manner.

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